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  "notes": "The slide includes a footnote defining the efficiency ratio calculation.",
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      "text": "4Q'19 Highlights: Other expense remained flat. Efficiency ratio increased 4.4pts to 34.8%, driven primarily by the impact of the Walmart sale and increased RSA, and included a restructuring charge of $21 million",
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      "text": "(a) “Other expense” divided by sum of “NII” plus “Other income” less “Retailer share arrangements (RSA)”",
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